Search found 3056 matches

by Rupert
Thu Jun 21, 2018 9:26 am
Forum: Personal Consumer Issues
Topic: Gifting trip for inlaws
Replies: 13
Views: 977

Re: Gifting trip for inlaws

Those are my idea of hell on earth!! http://www.thecarpetbagger.org/2013/08/gatlinburg-and-pigeon-forge-tn-sodom.html I completely agree with you, and would never willingly go there myself. However, the OP is soliciting vacation ideas for someone who... - "Doesn't like new things" - Are "stuck in t...
by Rupert
Thu Jun 21, 2018 8:45 am
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 114
Views: 5590

Re: gray hair

People who dye their hair are not really fooling anybody. I don't know what I was thinking all those years. It's like wearing a toupee. There's a lot to be said for being who you are. I have never understood this double standard - if a woman is going bald or is bald and wears a hairpiece or wig, no...
by Rupert
Thu Jun 21, 2018 8:23 am
Forum: Personal Consumer Issues
Topic: Storing Sustenance for Disasters
Replies: 28
Views: 1681

Re: Storing Sustenance for Disasters

I have envelopes of camping food should my family need to hike out of town (but, really, aside from the poor folks in the urban core of New Orleans following Katrina, when has that ever happened?). Puerto Rico. There are areas still in big trouble there, although you'd never know it from the news m...
by Rupert
Wed Jun 20, 2018 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: MIL passed- question about her Social Security
Replies: 16
Views: 1866

Re: MIL passed- question about her Social Security

If she was married to the first husband for 10 or more years, the first may have dibs on some of her SS. Even if the first ex has dibs on some of her SS, that doesn't impact the benefit the second husband may receive. Both may be able to claim a survivor's benefit without impacting each other. Real...
by Rupert
Wed Jun 20, 2018 3:40 pm
Forum: Personal Consumer Issues
Topic: Gifting trip for inlaws
Replies: 13
Views: 977

Re: Gifting trip for inlaws

My in-laws were also interested in traveling but afraid of traveling. So they started taking senior bus trips where all the details (hotels, meals, etc.) were taken care of for them. It definitely would not be my cup of tea, but they loved it. They went as far as Alaska on buses. I guess a cruise wo...
by Rupert
Wed Jun 20, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: Storing Sustenance for Disasters
Replies: 28
Views: 1681

Re: Storing Sustenance for Disasters

I agree with others that prepping like a camper, as opposed to a paranoid prepper, is the way to go. Each year before hurricane season, I make sure to stock up on batteries, envelopes of tuna, and powdered milk. Aside from that, I don't buy anything special and just plan to use up whatever is in my ...
by Rupert
Wed Jun 20, 2018 11:07 am
Forum: Personal Consumer Issues
Topic: Cataract surgery - one or two?
Replies: 31
Views: 1019

Re: Cataract surgery - one or two?

My mother chose the two surgeries, and I'm glad she did. For some reason, it took her twice as long to recover from the surgeries than was predicted. If she had had both eyes done at once, we would have had to pay for someone to care for her 24 hours a day until she regained her sight. That would ha...
by Rupert
Wed Jun 20, 2018 11:02 am
Forum: Personal Consumer Issues
Topic: Surprise - Costco sells - but does not install vehicle batteries
Replies: 31
Views: 1533

Re: Surprise - Costco sells - but does not install vehicle batteries

WhiteMaxima wrote:
Wed Jun 20, 2018 10:59 am
Takes 10 min to install a new battery. Would you pay others $50 install fee?
Who charges $50 to do that? Auto Zone does it for free if you buy your battery there.
by Rupert
Wed Jun 20, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 114
Views: 5590

Re: gray hair

One thing I notice that has changed in recent years [do not know why] is that many older women tended to have "blue" hair - but have not noticed that in a few years. That blue hair was a result of a blue rinse, which has fallen out of fashion. It was popular with women who were members of the Great...
by Rupert
Wed Jun 20, 2018 9:46 am
Forum: Personal Consumer Issues
Topic: How to evaluate charities to donate to?
Replies: 28
Views: 791

Re: How to evaluate charities to donate to?

Forbes maintains a list that is helpful: https://www.forbes.com/sites/williampbarrett/2016/12/14/how-to-evaluate-a-charity-2/#33d404143371 Also, in addition to avoiding groups with sketchy financials, I avoid donating to charities who constantly hound me for additional donations. I avoid donating (e...
by Rupert
Wed Jun 20, 2018 9:37 am
Forum: Investing - Help with Personal Investments
Topic: 529 plan - did I do something bad?
Replies: 6
Views: 900

Re: 529 plan - did I do something bad?

First of all, you don't owe gift tax until you exceed your lifetime gift/estate tax exemption, which I think increased to over $11 million this year. If you exceed the annual gift tax exemption, you have to file a gift tax return but you do not owe gift tax. Second, other people, including your wife...
by Rupert
Wed Jun 20, 2018 7:36 am
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 114
Views: 5590

Re: gray hair

Coloring products of the 70s and 80s had heavy metal compounds in them like lead (Pb), so watch out what you do -- if you do anything. Do you have any recommendations for the coloring products of 2018? Victoria Read the labels very carefully. I do not buy these products, but my dad had something ye...
by Rupert
Wed Jun 20, 2018 7:14 am
Forum: Personal Finance (Not Investing)
Topic: $1M Term Life Insurance
Replies: 14
Views: 1397

Re: $1M Term Life Insurance

You have to have a spotless medical history (basically no medical history) to get the very best rates. Few people over the age of 35 or so qualify for those rates. There will be a medical exam during which your weight and blood pressure will be checked. If you have a history of heart problems or are...
by Rupert
Tue Jun 19, 2018 1:56 pm
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 114
Views: 5590

Re: gray hair

Ha! I've recently given in and started dying my hair. But I am also female. I work with a 70 year old woman who looks 50. And I also work with a 70 year old woman who looks ... well, she looks 70. I choose 50! (when I'm 70) That being said, men should let it go grey (or bald). My dad dyes his hair ...
by Rupert
Tue Jun 19, 2018 12:49 pm
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 114
Views: 5590

Re: gray hair

PVW wrote:
Tue Jun 19, 2018 12:47 pm
atlanta_dad wrote:
Tue Jun 19, 2018 12:34 pm
wife and kids are stressing to color, I am thinking of going for it.
If you give in to this, next thing is they'll be forcing you to trim your ear hair. Where does it end?
Nose hair then back hair then toe hair. I think it ends with toe hair.
by Rupert
Tue Jun 19, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 114
Views: 5590

Re: gray hair

I think you're fighting a losing battle, but if you're going to do it, have it done by a professional. The stuff out of a box usually looks, well, like it came out of a box.
by Rupert
Tue Jun 19, 2018 8:59 am
Forum: Personal Finance (Not Investing)
Topic: I was rear ended and the other guy wants a payout!
Replies: 106
Views: 8847

Re: I was rear ended and the other guy wants a payout!

How did you hear that he is now disputing fault and claiming injury? Did you hear from him or his insurance company? Has he actually filed a claim on your liability policy? If it's not too late and you maintain collision coverage, I would seek reimbursement for the repairs under your own collision ...
by Rupert
Mon Jun 18, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: A vehicle that "sits up" but can't afford CRV
Replies: 63
Views: 5047

Re: A vehicle that "sits up" but can't afford CRV

Amusing how all the people who seem to be obsessed with sitting up high always seem to be tailgaters. They feel the need to "see over" the vehicles in front of them because they're so close that the vehicle in front would otherwise comprise a good 1/3 of their total visual area. Maintaining a safe ...
by Rupert
Mon Jun 18, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: Where to purchase an used clarinet for a student - Amazon vs. store?
Replies: 14
Views: 695

Re: Where to purchase an used clarinet for a student - Amazon vs. store?

Have you checked Craigslist? I have found it to be the best place to buy used musical instruments. Lots of kids play clarinet in high school band but will abandon the instrument after high school. They tend to unload their used instruments on Craigslist.
by Rupert
Mon Jun 18, 2018 9:19 am
Forum: Personal Consumer Issues
Topic: Best stroller+infant seat for gravel roads?
Replies: 18
Views: 987

Re: Best stroller+infant seat for gravel roads?

Thanks everyone! I've added the BOB rambler travel system to my registry but will be looking for the revolution if I can find it on sale. That price tag! :moneybag Still glad to hear a consensus that it's a good one to use off road. Appreciate the help! BOB also makes a sport utility stroller that ...
by Rupert
Fri Jun 15, 2018 3:09 pm
Forum: Personal Consumer Issues
Topic: Contractor - Threatening Lien/Lawsuit
Replies: 43
Views: 3487

Re: Contractor - Threatening Lien/Lawsuit

He's likely making an idle threat, and, given his overall sketchiness, I doubt he's spoken to (let alone has his own) attorney. How much money have you already given him, and how strongly do you feel you need to get that money back? If a small amount that you're willing to write off to life experien...
by Rupert
Fri Jun 15, 2018 11:08 am
Forum: Personal Consumer Issues
Topic: Long Weekend in November - NOLA, Austin, Other
Replies: 26
Views: 1225

Re: Long Weekend in November - NOLA, Austin, Other

As others have noted, the French Quarter in New Orleans is just a horrible tourist trap. Stay in the Garden District. If you have only seen the French Quarter, then you haven't seen New Orleans.
by Rupert
Fri Jun 15, 2018 9:27 am
Forum: Investing - Help with Personal Investments
Topic: Company 401(k) Actually Better Than IRA? (Fidelity)
Replies: 6
Views: 451

Re: Company 401(k) Actually Better Than IRA? (Fidelity)

Do you mean you have a Roth 401k sponsored by your previous employer? Does your new employer also sponsor a Roth 401k? (I, and another poster I now see, are asking this because you can't commingle Roth funds with non-Roth funds). If your new employer doesn't sponsor a Roth 401k, your only options wo...
by Rupert
Fri Jun 15, 2018 9:22 am
Forum: Personal Consumer Issues
Topic: A vehicle that "sits up" but can't afford CRV
Replies: 63
Views: 5047

Re: A vehicle that "sits up" but can afford CRV

She should look at the Hyundai, Kia, Ford, and GM products in the same class, and consider buying one of those gently used (at least 2 years old to get the best deals). Those brands depreciate faster than Hondas, Toyotas, and Subarus (and even Nissans and Mazdas), so are a better deal used than new....
by Rupert
Fri Jun 15, 2018 7:11 am
Forum: Personal Finance (Not Investing)
Topic: I was rear ended and the other guy wants a payout!
Replies: 106
Views: 8847

Re: I was rear ended and the other guy wants a payout!

I’m sure the “injury” being claimed will be something vague like a sore neck or back. I’m sure sometimes that’s real, I’m also sure that more often than not it’s a way to try to milk money out of people. I think it is just the opposite. Even a minor car accident at slow speed with minor damage and ...
by Rupert
Thu Jun 14, 2018 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: I was rear ended and the other guy wants a payout!
Replies: 106
Views: 8847

Re: I was rear ended and the other guy wants a payout!

I drive a performance car with much shorter stopping distance than average. Are you required to keep a longer following distance if you follow me? What if I have winter tires in the winter and you are plodding along in your "good enough" all seasons? Or am I required to stop as slowly as your car c...
by Rupert
Thu Jun 14, 2018 11:54 am
Forum: Personal Finance (Not Investing)
Topic: I was rear ended and the other guy wants a payout!
Replies: 106
Views: 8847

Re: I was rear ended and the other guy wants a payout!

One more suggestion, OP: When you are interviewed by your insurance company or the other driver's, don't say the other driver was speeding. You usually can't actually know that (you weren't in his van looking at his speedometer, were you?), and there's kind of an unofficial maxim which holds that th...
by Rupert
Thu Jun 14, 2018 11:26 am
Forum: Personal Finance (Not Investing)
Topic: I was rear ended and the other guy wants a payout!
Replies: 106
Views: 8847

Re: I was rear ended and the other guy wants a payout!

I do not believe I'm at fault in this case, but whatever the outcome, what really upsets me is people who fake injuries in order to maximize accident settlements. There is no way this guy was legitimately injured in this accident. My second question is that while I have already filed with my insura...
by Rupert
Thu Jun 14, 2018 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Employer changing investments in 401K
Replies: 5
Views: 506

Re: Employer changing investments in 401K

My employer is changing investment options. The two of interest to me are changing as below: State Street S&P 500 Ind NL C -> Ind class K Vanguard Mid-Cap Ind Inst -> Inst Plus I am hoping these to be positive changes in that ERs would go down. It does for mid-cap. However for 500, going from non-l...
by Rupert
Thu Jun 14, 2018 10:37 am
Forum: Personal Finance (Not Investing)
Topic: I was rear ended and the other guy wants a payout!
Replies: 106
Views: 8847

Re: I was rear ended and the other guy wants a payout!

How did you hear that he is now disputing fault and claiming injury? Did you hear from him or his insurance company? Has he actually filed a claim on your liability policy? If it's not too late and you maintain collision coverage, I would seek reimbursement for the repairs under your own collision p...
by Rupert
Thu Jun 14, 2018 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Financial strength ratings of auto insurers
Replies: 12
Views: 832

Re: Financial strength ratings of auto insurers

jalbert wrote:
Wed Jun 13, 2018 10:57 pm
Financial strength is what enables them to be capable of paying your claims if you need to file one.
Unless you're buying insurance from one of those sketchy companies that advertise late at night on basic cable television, I wouldn't worry about this.
by Rupert
Thu Jun 14, 2018 9:49 am
Forum: Personal Consumer Issues
Topic: Non-alcoholic drinks for wedding
Replies: 79
Views: 3551

Re: Non-alcoholic drinks for wedding

At every dry wedding I've attended, soft drinks, water, coffee, and some sort of punch was served. I don't really see the point of non-alcoholic mixed drinks. I'd spend my money on really excellent food instead.
by Rupert
Wed Jun 13, 2018 7:20 pm
Forum: Personal Consumer Issues
Topic: Anyone with a paid off house drop homeowners insurance
Replies: 79
Views: 5668

Re: Anyone with a paid off house drop homeowners insurance

Curious, if a house burned to the ground and the fire spread to a neighbor’s house, and the neighbor’s insurance company determined the fire was cause by the homeowner of the first house, would the neighbor’s insurance company slap a lien on the owner of the first house to recoup their loss from pa...
by Rupert
Wed Jun 13, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: Anyone with a paid off house drop homeowners insurance
Replies: 79
Views: 5668

Re: Anyone with a paid off house drop homeowners insurance

Slightly different. I have a condo in FL USAA would not write Insurance on it. I came to find out that many of the large insurance companies will not take on additional Florida homes. Then I moved down a couple of teirs and found a “local”insurance company who would. My major concern if a really bi...
by Rupert
Wed Jun 13, 2018 1:08 pm
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 179
Views: 36799

Re: Bogleheads, tell me about your 40's?

I think my 40s have been like my 2nd year of law school. There's this saying (I'm sure every lawyer and law student has heard it a million times): In the first year of law school, they scare you to death. In the second year, they work you to death. In the third year, they bore you to death. They say...
by Rupert
Wed Jun 13, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: Anyone with a paid off house drop homeowners insurance
Replies: 79
Views: 5668

Re: Anyone with a paid off house drop homeowners insurance

OP here. When I say insurance companies are out to make money, basically that means I don't trust them to pay. I feel like I am paying for something that I can't count on. A coworker has paid for what she thought was very good home owners insurance. She described it as very expensive "deluxe" homeo...
by Rupert
Wed Jun 13, 2018 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Are you including SS in your planning model? Are the benefits really that high?
Replies: 148
Views: 11120

Re: Are you including SS in your planning model? Are the benefits really that high?

Thanks for all the replies. I think because I've just assumed over the last 20 years that there'd be no social security and it was up to is to take care of ourselves, i was a little floored by the projection of payments. I'll continue to assume zero for now. Once in our mid 50s in a decade, I'll co...
by Rupert
Wed Jun 13, 2018 10:54 am
Forum: Investing - Help with Personal Investments
Topic: Help me with my FIL and an Insurance investment for my child
Replies: 11
Views: 810

Re: Help me with my FIL and an Insurance investment for my child

He's buying them life insurance. Don't give him the info he needs to do it. "Insurance investment" is an oxymoron.
by Rupert
Wed Jun 13, 2018 10:32 am
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 246
Views: 38960

Re: How to Minimize Your Emergency Care Expenses

Likewise, obtaining a list of in-network providers ahead of time doesn't do you much good. You can THINK that you're going to be covered, but you absolutely cannot KNOW. Even the policy will tell you in so many places and in so many words, that there are NO guarantees. I was told on the phone, the ...
by Rupert
Wed Jun 13, 2018 9:33 am
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 246
Views: 38960

Re: How to Minimize Your Emergency Care Expenses

FWIW, the University of Utah Health Radio has a series called "ER or Not" and they did an episode on "food stuck in throat." https://healthcare.utah.edu/the-scope/shows.php?shows=0_1u0qm8fd I know for me, if I had food stuck in my throat but I was still breathing, I'd be extremely reluctant to go t...
by Rupert
Wed Jun 13, 2018 9:09 am
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 246
Views: 38960

Re: How to Minimize Your Emergency Care Expenses

I really didn't even know there were networks for a PPO BCBS. I've never seen that before, and the ER never said anything. I'm also not sure if my annual insurance limit applies ($6k and already met) as its an out-of-network ER. I never cease to be amazed by the number of people who do not read the...
by Rupert
Wed Jun 13, 2018 8:49 am
Forum: Personal Consumer Issues
Topic: Anyone with a paid off house drop homeowners insurance
Replies: 79
Views: 5668

Re: Anyone with a paid off house drop homeowners insurance

Slightly different. I have a condo in FL USAA would not write Insurance on it. I came to find out that many of the large insurance companies will not take on additional Florida homes. Then I moved down a couple of teirs and found a “local”insurance company who would. My major concern if a really bi...
by Rupert
Wed Jun 13, 2018 7:12 am
Forum: Personal Finance (Not Investing)
Topic: Recommendation for High Deductible Health Care Plan - Ages 61/56
Replies: 17
Views: 1217

Re: Recommendation for High Deductible Health Care Plan - Ages 61/56

Someone mentioned: "Will your employer allow you to continue COBRA-like coverage after the 18 month mark? Call them and ask. That's what we're planning on." Is this to say the 18 month COBRA coverage period is a minimum required by law, and that an employer can offer COBRA for a much longer period?...
by Rupert
Tue Jun 12, 2018 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: [Looking for ways to reduce taxes and keep more of my income]
Replies: 91
Views: 8606

Re: Getting killed on taxes - any ideas?

You are getting absolutely destroyed by people here, but I will say, I understand your point of view. With a high income, seeing the raw numbers come out somehow hurts worse than if you figure the actual tax rate which actually isn't that terrible, but to folks not making this sort of cash, its rea...
by Rupert
Tue Jun 12, 2018 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Recommendation for High Deductible Health Care Plan - Ages 61/56
Replies: 17
Views: 1217

Re: Recommendation for High Deductible Health Care Plan - Ages 61/56

5) Healthcare Sharing Ministries. Might be appropriate for some but be aware of the low lifetime maximums (often $150k or so), exclusions, qualifications, and the fact that it's not a binding insurance contract. I'm still waiting to hear back from someone who joined one of these plans and then was ...
by Rupert
Tue Jun 12, 2018 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Recommendation for High Deductible Health Care Plan - Ages 61/56
Replies: 17
Views: 1217

Re: Recommendation for High Deductible Health Care Plan - Ages 61/56

5) Healthcare Sharing Ministries. Might be appropriate for some but be aware of the low lifetime maximums (often $150k or so), exclusions, qualifications, and the fact that it's not a binding insurance contract. I'm still waiting to hear back from someone who joined one of these plans and then was ...
by Rupert
Tue Jun 12, 2018 11:30 am
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 16044

Re: Should I take possession of a certified mail?

What do you think is in the letter? I'd be too curious not to open it. As part of my work, I communicate regularly with incarcerated persons, many of whom seem to believe that certified mail has magical properties -- that sending a letter by certified mail somehow enhances the merits of the quasi-le...
by Rupert
Tue Jun 12, 2018 11:06 am
Forum: Investing - Help with Personal Investments
Topic: Term Life Insurance after breast cancer diagnosis
Replies: 3
Views: 535

Re: Term Life Insurance after cancer diagnosis

I think most insurance companies are going to make you wait 5-10 years after your last treatment for stage 2 breast cancer before writing a policy, but she should be able to buy insurance eventually. An independent broker can direct you to the companies who will write policies at 5 years, rather tha...
by Rupert
Tue Jun 12, 2018 10:55 am
Forum: Personal Consumer Issues
Topic: When should you consider removing the collision coverage on a car?
Replies: 70
Views: 5435

Re: When should you consider removing the collision coverage on a car?

I had a bad experience where I was hit by a driver in a rental car whose only insurance was the insurance he bought at the rental-car counter. Fair enough. I saw this after my response. But this is classic definition of "corner case" ... YMMV is right = you will choose to spend thousands of dollars...
by Rupert
Tue Jun 12, 2018 8:40 am
Forum: Personal Consumer Issues
Topic: When should you consider removing the collision coverage on a car?
Replies: 70
Views: 5435

Re: When should you consider removing the collision coverage on a car?

No, UMPD applies when the other driver does not have insurance. I'm talking about the situation where the at-fault driver has insurance but you don't want to file directly on their insurance. If you have collision coverage, you can file on your own collision policy instead and let your insurance co...